Consumer Portfolio Services (NASDAQ:CPSS – Get Rating) and Cosmos Group (OTCMKTS:COSG – Get Rating) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, institutional ownership, valuation, earnings and dividends.
Insider & Institutional Ownership
49.4% of Consumer Portfolio Services shares are held by institutional investors. 64.4% of Consumer Portfolio Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent ratings and price targets for Consumer Portfolio Services and Cosmos Group, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Consumer Portfolio Services | 0 | 0 | 0 | 0 | N/A |
| Cosmos Group | 0 | 0 | 0 | 0 | N/A |
Profitability
This table compares Consumer Portfolio Services and Cosmos Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Consumer Portfolio Services | 23.25% | 35.46% | 2.93% |
| Cosmos Group | -244.21% | -408.12% | -110.75% |
Earnings and Valuation
This table compares Consumer Portfolio Services and Cosmos Group’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Consumer Portfolio Services | $329.71 million | 0.73 | $85.98 million | $2.99 | 3.89 |
| Cosmos Group | $20.20 million | 0.22 | -$104.12 million | ($0.13) | -0.08 |
Consumer Portfolio Services has higher revenue and earnings than Cosmos Group. Cosmos Group is trading at a lower price-to-earnings ratio than Consumer Portfolio Services, indicating that it is currently the more affordable of the two stocks.
Summary
Consumer Portfolio Services beats Cosmos Group on 10 of the 10 factors compared between the two stocks.
About Consumer Portfolio Services
Consumer Portfolio Services, Inc. operates as an independent finance company. The firm provides indirect automobile financing to individuals with past credit problems, low incomes, and limited credit histories. It engages in purchase and service of retail automobile contracts originated primarily by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company was founded on March 8, 1991 and is headquartered in Las Vegas, NV.
About Cosmos Group
Cosmos Group Holdings Inc. offers financial and money lending services in Hong Kong and internationally. It also operates online platform for the sale and distribution of arts and collectibles. In addition, the company offers unsecured personal loans and mortgage loans to private individuals. Cosmos Group Holdings Inc. is headquartered in Singapore.
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